Hyundai Sonata Insurance Rates

How much does a Hyundai Sonata cost to insure? The average annual cost for Hyundai Sonata insurance is $1,426 a year, or $118 a month. Read our guide to learn what drivers can do to save on Hyundai Sonatas, whether its 2016 or 2015 Hyundai Sonata insurance rates.

Enter your ZIP code in our free tool above to get started on finding the best Hyundai Sonata insurance costs.

The average insurance rates for a Hyundai Sonata are $1,404 a year for full coverage insurance. Comprehensive costs approximately $260, collision costs $494, and liability coverage costs around $470. Liability-only coverage costs as low as $536 a year, with high-risk coverage costing around $3,046. Teens cost the most to insure at $5,394 a year or more.

Average premium for full coverage: $1,404

Policy rates by type of insurance:

Rates are based on $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and for different Sonata trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of auto insurance. Rural locations are shown to have lower incidents of physical damage claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare prices using their specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

Rate Comparisons

The chart below illustrates estimated Hyundai Sonata insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $817
• Using higher $1,000 deductibles will save $170 each year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,404
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $1,738
• Higher-risk drivers with serious driving violations could pay around $3,046 or more
• Policy cost that insures a teenage driver with full coverage can cost $5,394 or more

View Chart as Image

Insurance rates for a Hyundai Sonata also range considerably based on the model year and trim level, your age and driving record, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are probably paying anywhere from $1,700 to $2,300 additional every year, depending on your age. High-risk driver insurance can be around 43% to 135% more than the average policy. View High Risk Driver Rates

An older driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,300 a year. View Rates by Age

Your home state has a huge impact on Hyundai Sonata insurance rates. A driver around age 40 might see rates as low as $920 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,900 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $510 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $423 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Each insurance company calculates rates differently, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Find the Best Cheap Hyundai Sonata Insurance

Finding cheaper rates on auto insurance requires having a decent driving record, having a good credit score, being claim-free, and qualifying for all possible discounts. Compare rates at every other renewal by requesting quotes from direct insurance companies, and also from your local car insurance providers.

The following items are a quick review of the concepts that were touched on in the above illustrations.

• Drivers with a DUI or reckless driving violation could be charged and average of $1,640 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $450 each month if comprehensive and collision insurance is included
• It is possible to save around $170 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $500 each year
• It is possible to save around $170 per year simply by shopping early and online

Quotes will help you save on Hyundai Sonatas, regardless of whether you’re searching for 2012, 2009, or 2006 Hyundai Sonata trim levels or the cheapest Hyundai 2016 rates.

To find out what is the insurance cost of a Hyundai Sonata, enter your ZIP code in our free tool below.

What are the safety ratings of the Hyundai Sonata?

The Hyundai Sonata has some great safety features that can help reduce rates, such as brake assist, electronic stability control, traction control, lane departure warning, and lane-keeping assist. However, Hyundai Sonatas that are old may not have as many safety features.

The Insurance Institute for Highway Safety (IIHS) gave the Hyundai Sonata a 2020 Top Safety Pick award for its crash test ratings (below).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

Good is the highest rating. The video below shows how the IIHS tested the Hyundai Sonata.

Hyundai Sonata Compared Against Other Vehicles in the Same Class

How much for a Hyundai Sonata liability insurance plan? This will partly depend on the liability insurance losses. The Hyundai Sonata is a midsize car, and the IIHS found that in comparison to other midsize cars, the Hyundai Sonata’s liability losses are substantially worse than average.

To understand just how much Hyundai Sonata’s insurance rates differ from other midsize car’s rates, take a look at the midsize cars below.

• Chevrolet Malibu Insurance Rates
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Frequently Asked Questions

• Are Hyundai Sonata expensive to repair? According to RepairPal, “The average total annual cost for repairs and maintenance on a Hyundai Sonata is $458, compared to an average of $526 for midsize cars and $652 for all vehicle models.”
• How much is a fully loaded Hyundai Sonata? It would cost you $33,300.

Remember to shop around for Hyundai Sonata insurance rates to save on everything from Hyundai Sonata costs for a 2015 model to Hyundai gap claims. Enter your ZIP code in our free tool to get started.

References

1. https://www.iihs.org/ratings/vehicle/hyundai/sonata-4-door-sedan/2020